Bank Danamon Indonesia Tbk (BDMN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bank Danamon Indonesia Tbk stock IDR 9,560, price IDR 4,780, upside +100.0%, quality 57 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 1,647 IDR – 5,025 IDR · fair‑value band 7,170 IDR – 11,950 IDR · the 4,780 IDR price screens below the 9,560 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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PT Bank Danamon Indonesia Tbk provides banking services for retail, small and medium enterprises (SMEs), and corporate customers in Indonesia. It operates through Retail and Wholesale segments.
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The company offers savings and current accounts; online and time deposits; saving plans; business savings; and debit and credit cards.
It also provides personal and mortgage loans, as well as automotive financing; investment products, including bonds, mutual funds, exchange traded fund mutual fund, structured products, foreign exchange, and market insights; and personal, investment related, endowment, health, and general insurance products.
In addition, the company offers business financing, such as term installment credit, credit account statement, and term credit; incoming and outgoing collection, open account financing buyer and seller, letter of credit, financing against trust receipt, import LC/SKBDN financing, advise LC/SKBDN, LC/SKBDN negotiation, pre-shipment financing, guarantee, and trade finance form; derivative and economic corner; account, collection, liquidity management, and payment services.
Further, it provides Sharia Savings, Savings Nisbah, financing, Deposito iB, Sharia Life Insurance, and cash Waqf payment services; and digital banking. The company was formerly known as Bank Kopra Indonesia and changed its name to PT Bank Danamon Indonesia Tbk in 1976.
The company was incorporated in 1956 and is headquartered in Jakarta Selatan, Indonesia. PT Bank Danamon Indonesia Tbk is a subsidiary of MUFG Bank, Ltd.
Stock analysis
Bank Danamon Indonesia Tbk (BDMN) currently trades at 4,780 IDR, while our model-based Fair Value estimate is 9,560 IDR, implying the stock looks roughly 50% undervalued today.
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Valuation
How firm this estimate is: it rests on 4 models at a data quality of 94/100, which puts the data coverage at low.
Scenario range: 7,170 IDR (bear) to 11,950 IDR (bull), the price of 4,780 IDR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank Danamon Indonesia Tbk reported revenue of 33.6T IDR in FY2025 versus 21.3T IDR in FY2021, a compound +12.0%/yr. Reported net income was 4.0T IDR in FY2025, compounding +26.1%/yr from FY2021.
Key figures
Market cap 46.7T IDR (≈ $2.6B) Mid · P/E ratio 10.4 · P/S ratio 2.34 · EPS (TTM) 483.36 IDR · Dividend yield 3.0% · Net margin 22.8% · Return on equity 8.8% · Return on assets (EBIT) 1.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 108% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 100%, BDMN screens cheaper than that median.
Fair Value models
Bear7,170 IDRFair Value 9,560 IDRBull11,950 IDR
Price 4,780 IDR · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (292.57 IDR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.79/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+24.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.1%
Start year 2020 (pandemic). Over 10 years: +1.8% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.7%
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What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
≈ +23.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +20.4%
Dividend (yield on the price)3.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 20.4% / 4.1%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.9% → 16%
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 161 per share, median 331 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.
Compare Bank Danamon Indonesia Tbk with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)8.8% · Below median
Return on assets1.4% · Top 25%
Net margin (12 months)22.8% · Below median
Operating margin (12 months)30.7% · Below median
Growth and dividend
Revenue growth (quarter YoY)13.3% · Above median
Dividend yield (12 months)3.0% · Above median
Balance sheet
Debt / equity0.18× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Bank Danamon Indonesia Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BDMN
Frequently asked questions
Is Bank Danamon Indonesia Tbk (BDMN) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 9,560 IDR versus a price of 4,780 IDR, about +100% upside (undervalued).
What is the fair value of BDMN?
Our model-based fair value for Bank Danamon Indonesia Tbk is 9,560 IDR (as of Nov 7, 2026), built from audited fundamentals. The current price: 4,780 IDR.
What is the quality score of BDMN?
Bank Danamon Indonesia Tbk has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Danamon Indonesia Tbk (BDMN)?
Our model-based price target is the fair value of 9,560 IDR (as of Nov 7, 2026) from 4 valuation models. Cautious scenario 7,170 IDR, optimistic scenario 11,950 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Danamon Indonesia Tbk stock forecast for 2026?
Our models put fair value at 9,560 IDR, about +100% upside versus a price of 4,780 IDR (undervalued). Cautious scenario 7,170 IDR, optimistic scenario 11,950 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Danamon Indonesia Tbk (BDMN)?
Bank Danamon Indonesia Tbk reported trailing-twelve-month revenue of about 20.0T IDR (latest available figure, as of Nov 7, 2026).
Does Bank Danamon Indonesia Tbk pay a dividend?
Bank Danamon Indonesia Tbk currently shows a dividend yield of 2.97% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Bank Danamon Indonesia Tbk (BDMN) and when is the ex-dividend date?
Bank Danamon Indonesia Tbk pays a dividend of 142.19 IDR per share a year, a dividend yield of 3.0%. The last ex-dividend date was Apr 10, 2026. A dividend has been paid every year since at least 2003. The payout ratio is 29.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Bank Danamon Indonesia Tbk (BDMN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Danamon Indonesia Tbk it is 9,560 IDR per share (as of Nov 7, 2026), against a price of 4,780 IDR. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Bank Danamon Indonesia Tbk stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BDMN trades below its calculated fair value: price 4,780 IDR, fair value 9,560 IDR, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BDMN?
No. The price is what the market pays today (4,780 IDR); the fair value is what the company's own numbers justify (9,560 IDR). For Bank Danamon Indonesia Tbk the two are 4,780 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Danamon Indonesia Tbk worth?
The market values Bank Danamon Indonesia Tbk at about 46.7T IDR (market capitalisation, as of Nov 7, 2026). Per share that is 4,780 IDR; our models calculate a fair value of 9,560 IDR per share.
What do the bullish and bearish scenarios say about BDMN?
Our models span a range for Bank Danamon Indonesia Tbk: cautious scenario 7,170 IDR, base 9,560 IDR, optimistic 11,950 IDR per share (as of Nov 7, 2026, price 4,780 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BDMN?
Bank Danamon Indonesia Tbk trades at a price-to-earnings ratio of 10.4 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 9,560 IDR is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 11.4. Other multiples: PEG 0.5, P/B 0.9, P/S 2.3, EV/EBITDA 8.1.
What is the PEG ratio of BDMN?
The PEG ratio of Bank Danamon Indonesia Tbk is 0.50 (P/E divided by earnings growth, as of Nov 7, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Bank Danamon Indonesia Tbk (BDMN)?
Balance-sheet figures for Bank Danamon Indonesia Tbk (as of Nov 7, 2026): return on equity 8.8%, debt of 0.18 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is BDMN from its 52-week high?
Bank Danamon Indonesia Tbk trades at 4,780 IDR, about 5% below its 52-week high of 5,025 IDR and 108% above the low of 2,298 IDR (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 9,560 IDR is for.
Which stocks are comparable to Bank Danamon Indonesia Tbk?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Danamon Indonesia Tbk stock attractive at the current price?
The data as of Nov 7, 2026: price 4,780 IDR, calculated fair value 9,560 IDR (+100%), Quality Score 57/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BDMN calculated?
We run Bank Danamon Indonesia Tbk through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 9,560 IDR builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bank Danamon Indonesia Tbk currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Danamon Indonesia Tbk (BDMN)?
The closing price on Nov 6, 2026 was 4,780 IDR. Our model-based fair value is 9,560 IDR, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Danamon Indonesia Tbk right now?
The price is below even our cautious bear case (7,170 IDR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank Danamon Indonesia Tbk (BDMN) come from?
Earnings per share at Bank Danamon Indonesia Tbk grew +3.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +0.0 %, EBIT margin +2.5 %, tax rate +1.1 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Bank Danamon Indonesia Tbk
How large is the market capitalisation of Bank Danamon Indonesia Tbk (BDMN)?
The market capitalisation of Bank Danamon Indonesia Tbk is 46.7T IDR (≈ $2.6B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Danamon Indonesia Tbk (BDMN)?
The price-to-sales ratio of Bank Danamon Indonesia Tbk is 2.34 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Danamon Indonesia Tbk (BDMN)?
Earnings per share at Bank Danamon Indonesia Tbk are 483.36 IDR (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Danamon Indonesia Tbk (BDMN)?
The dividend yield of Bank Danamon Indonesia Tbk is 3.0% (payout 29.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank Danamon Indonesia Tbk (BDMN)?
The net margin of Bank Danamon Indonesia Tbk is 22.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Danamon Indonesia Tbk (BDMN)?
The return on equity (ROE) of Bank Danamon Indonesia Tbk is 8.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Danamon Indonesia Tbk (BDMN)?
On an EBIT basis the return on assets of Bank Danamon Indonesia Tbk is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Danamon Indonesia Tbk (BDMN)?
The operating margin of Bank Danamon Indonesia Tbk is 30.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Danamon Indonesia Tbk (BDMN)?
Revenue at Bank Danamon Indonesia Tbk is growing +13.3% versus a year earlier (3y avg +17.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Danamon Indonesia Tbk (BDMN)?
Earnings per share at Bank Danamon Indonesia Tbk are growing +31.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Danamon Indonesia Tbk (BDMN) generate?
The free cash flow of Bank Danamon Indonesia Tbk is 7.1T IDR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank Danamon Indonesia Tbk (BDMN) carry?
The net debt of Bank Danamon Indonesia Tbk is 20.1T IDR (fiscal year 2025, ≈ 2.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 7, 2026